Can you be charged a repo and insurance fee when the original owner never notifid you of the repo and drove the vehicle away herself?
I'm not sure what your question/situation is but... The Finance
company can do what's called "forced insurance" meaning if you do
not have insurance they will put insurance on the vehicle at a
hefty cost to you. They can also repossess the vehicle even if you
are up to date in payments but do not pay them their insurance
rate.... and that money is still owed after the repo.